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Hanseatic Bank GoldCard
Choose the GoldCard over the GenialCard when the included travel insurance is the point, since that's the main difference between the two. The first year is free, but a fee (around EUR 45 as of 2026) usually applies from year two, so a homebody who never claims is better off on the permanently free GenialCard. The insurance can offset that fee on even one cancelled trip. As with its sibling, set repayment to full each month or the revolving interest erodes any value. Confirm the year-two fee and exact cover on hanseaticbank.de.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Full travel insurance bundle comes with the card
- ✓Zero foreign currency fee on payments anywhere in the world
- ✓No charge in year one, though a fee can apply later
- ✓Part-payment option handled in the app
👍 Pros
- + Dependable travel insurance cover built in
- + No FX charges when you spend overseas
- + Costs nothing for the first year
👎 Cons
- – A yearly fee can kick in from the second year
- – Steep revolving interest if you carry a balance
Can you get it?
- ▸Live in Germany with a registered address
- ▸Positive SCHUFA standing
- ▸Regular income you can document
- ▸At least 18 years old
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Hanseatic Bank GoldCard?
Finish your application on Hanseatic Bank's own secure site.
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